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Mini Cooper insurance rates

Average Mini Cooper insurance rates

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Mini Cooper Car

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The average insurance costs for a Mini Cooper is $227 a month — or $2,724 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare insurance for your Mini Cooper

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Mini Cooper car insurance rates

A 2017 Mini Cooper starts at a base price of $20,950. With the average insurance rate at $2,724 per year, the annual insurance cost–to–base car price ratio is 13.0%.

ModelMonthly insurance rateBase car price
Mini Cooper$227$20,950
Mini Cooper 4-door$140$23,450
Mini Clubman$132$26,000
Mini Convertible$108$22,500
Mini Countryman$140$26,600
Mini Countryman SE$130$33,441

About the Mini Cooper

The Mini Cooper has been around since 1961. The subcompact car is known for its sporty handling, turbocharged engines and upscale interior. In 2003, the Mini Cooper was named the North American Car of the Year. In 2012, there were more than 300,000 Mini cars sold throughout the world and the largest market was the United States, which had more than 66,000 sales. Today, there are over 100 Mini dealerships scattered across the US and four unique Mini financing and leasing programs to help get you behind the wheel.

Mini Cooper money-saving safety features

You could save money on car insurance for your MINI Cooper if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

Special savings with Liberty Mutual

Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

How safe is the MINI Cooper?

The 2017 Mini Cooper was named a Top Safety Pick car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests. The National Highway Traffic Safety Administration (NHTSA) awarded the Mini Cooper with a 4-Star Overall Safety Rating. The NHTSA gave four stars, out of five, for all crash tests performed on the MINI Cooper.

In 2017, the National Insurance Crime Bureau ranked the Mini Cooper as number nine in their list of the Top 10 Least Stolen Used Cars.

How does the Mini Cooper compare to other car models?

From a price standpoint, the MINI Cooper ranks right in the middle of our list of the 360 priciest car models to insure.

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